Today we tell about how the changed conditions of the mortgage lending Ukrainian banks which make loans to natural persons for purchase of housing and what time.
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The number of Ukrainian banks, mortgage loans, since December 2008 through July of this year, down from 9 to 6 financial institutions. Number loan programs dropped from 17 to 10. Such data includes research 101 Ukrainian bank spent Maanimo.com. "As of July 27 2009, 5 Ukrainian banks offer mortgage loans to natural persons for the period to 360 months, 4 banks - up to 300 months and 3 - up to 240 "- summarized Natalia Shtaltovnaya, executive director of Maanimo.com. Among the banks, ready to give funds for the purchase of housing - Privatbank, Volksbank, Universal Bank, Bank of MB, Credit Europe Bank and Bank CREDITWEST. The study found that from 4 December 2008 to July 27, 2009 average loan rate of hryvnia in this segment increased from 22 to 22 1%, 4% per annum, the maximum rate - from 29% to 40% per annum. This will reduce the minimum rate: 13, 5% to 11%. "However, it is fair to acknowledge that it is rather nominal reduction. Because there was an increase in mean size of single commissions charged to borrowers in a mortgage - with a 73% to 2% of the credit "- has clarified the situation, analysts and Head of Research Maanimo.com Paul Bortnikov. Could not affect the mortgage lending problems of banks with long-term resources. With the decrease in time deposits and reduction of external borrowing and reduced credit terms population: if the December 4, 2008 ordinary Ukrainians have had the opportunity to get a mortgage for a period of up to 256 months, already on July 27, 2009 - just at 64-100 months.
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